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Specialty Products
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Homeownership Empowerment Program

  • Up to 96.5% LTV

  • Self Employed 3 month Bank Statement

  • <580 & No Score options Available

  • ITIN & DACA Eligible

  • Max 50/60 DTI

  • 1 day Bankruptcy Seasoning

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Down Payment Assistance

  • 100% Financing

  • No Borrower Down Payment Required

  • No Income Limits or Restrictions

  • Credit Scores Down to 580

  • Manual Underwrites Allowed

  • Non Occupant Co-Borrowers Allowed

Non-QM Products
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90% LTV NonQM
Consumer/Business Purpose Full & Alt Doc

  • 90% LTV WVOE Only    â€‹

  • Consumer & Business Purpose Alt Doc Available

  • Credit Scores down to 660

  • Reserve Requirements as low as 3 months

  • Loan Amounts up to $3M Available

  • FTHB Allowed up to $2M

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DSCR / ITIN DSCR / MANF DSCR /
FN DSCR / STR DSCR

  • Up to 85% LTV Available    

  • Credit Scores Down to 640

  • ITIN and Foreign National DSCR Available

  • Manufactured Housing DSCR Allowed    

  • No Ratio DSCR Allowed

  • Short Term DSCR to .75    

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ITIN & Low FICO  NonQM Consumer/Business Purpose Full & Alt Doc

  • Up to 90% LTV Available    

  • Credit Scores Down to 640

  • ITIN all Occupancies Accepted

  • Loan Amounts up to $3M Available

  • Rural Properties Accepted

  • FTHB Allowed up to $2M    

Traditional Products
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FHA / FHA EZ / FHA SL

  • Simplified Underwriting with FHA EZ    

  • NO FICO Streamlines Accepted

  • Credit Scores down to 500

  • Manual Underwrites Allowed

  • Manufactured Housing Allowed

  • 2-1 Buydowns Allowed    

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VA / VA HB / VA IRRRL / 100% Financing / Dual Entitlement / Joint Loans

  • 100% Financing

  • NO FICO IRRRLs Accepted

  • Credit Scores down to 540

  • Cash-Out > 90% LTV Allowed

  • Joint Loans/Split Entitlement Accepted

  • Loan Amounts down to $50,000 Accepted    

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100% Financing / SL Assist

  • 100% Financing

  • No Borrower Down Payment Required

  • Credit Scores down to 550

  • Non-Traditional Credit Accepted

  • Manufactured Housing Allowed

  • Manual Underwrites Allowed    

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FMHLC / FNMA

  • 97% Financing

  • Credit Scores down to 620

  • Non Occupant Co-Borrowers Allowed

  • Manufactured Housing Allowed

  • 2-1 Buydowns Allowed

  • Loan Amounts down to $50,000 Accepted

Daily Rate Sheets
Traditional Products
Non-QM Products
Daily Rate Sheets
Specialty Products
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